VOLCKAERT INVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €486k and a net result of €-24. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 2385 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
42 d early
2023
30 d early
2022
21 d late
2021
58 d late
2020
40 d early
2019
61 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€486k=
2024 · €486k
2018: €249k
2019: €356k
2020: €356k
2021: €426k
2022: €426k
2023: €426k
2024: €486k
2018 → 2025
Net result
€-24
2024 · €60k
2018: €-987
2019: €106k
2020: €-50
2021: €70k
2022: €279
2023: €-172
2024: €60k
2018 → 2025
Total assets
€516k▼ 2.8%
2024 · €531k
2018: €465k
2019: €418k
2020: €429k
2021: €443k
2022: €521k
2023: €491k
2024: €531k
2018 → 2025
Solvency
94.1%▲ 2.6pp
2024 · 91.5%
2018: 53.6%
2019: 85.1%
2020: 82.9%
2021: 96.1%
2022: 81.7%
2023: 86.7%
2024: 91.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€23k-€13k▼ 46.1%€5k▼ 60.0%€6k▲ 12.0%€23k▲ 304%
Equity€426k-€426k▲ 0.1%€426k=€486k▲ 14.1%€486k=
Operating result€10k-€279▼ 97.3%€-172€-102▲ 40.7%€-24▲ 76.5%
Net result€70k-€279▼ 99.6%€-172€60k€-24
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24 in 2025 against €102 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €516k
Fixed assets
€342k▲ 0.2%
Current assets
€174k▼ 8.1%
Equity and liabilities €516k
Equity
€486k=
Debt
€30k▼ 32.9%
The debt ratio falls from 8.5% to 5.9%. Debt is lower.
Key figures and ratios
Solvency
94.1%▲
2024 · 91.5%
ROE
0.0%▼
2024 · 12.3%
ROA
0.0%▼
2024 · 11.3%
Debt
€30k▼
2024 · €45k
Debt ≤ 1 year
€30k▼
2024 · €45k
Staff costs
€16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€531k€516k▼
Fixed assets21/28€342k€342k▲
Tangible fixed assets22/27€40k€41k▲
Furniture and vehicles24€40k€41k▲
Financial fixed assets28€301k€301k=
Current assets29/58€189k€174k▼
Amounts receivable after more than one year29-€141k
Trade receivables290-€18k
Other amounts receivable291-€124k
Amounts receivable within one year40/41€189k-
Trade receivables40€11k-
Other amounts receivable41€178k-
Cash at bank and in hand54/58€851€33k▲
Equity and liabilities
Total equity and liabilities10/49€531k€516k▼
Equity10/15€486k€486k=
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€386k€386k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€376k€376k=
Amounts payable17/49€45k€30k▼
Amounts payable within one year42/48€45k€30k▼
Taxes, remuneration and social security45€54€54=
Taxes450/3€54€54=
Other amounts payable47/48€45k€30k▼
Income statement
Code20242025
Turnover70€6k€23k▲
Goods, raw materials, services and sundry goods60/61€6k€7k▲
Remuneration, social security and pensions62-€16k
Other operating charges640/8€176-
Gross operating margin9900€74€16k▲
Operating profit (loss)9901€-102€-24▲
Financial income75/76B€60k-
Recurring financial income75€60k-
Profit (loss) for the period before taxes9903€60k€-24▼
Profit (loss) for the period9904€60k€-24▼
Profit (loss) for the period to be appropriated9905€60k€-24▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€-24▼
Transfer from equity791/2-€24
Transfer to equity691/2€60k-
To other reserves6921€60k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 7 days late
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
31-12
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 730.25
Current ratio from 213.15 to 730.25; short-term debt falls from €1k to €265.
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 62 days late
2018
08-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 39 days late
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2015
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2015
Resigned as Managing director
Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Epinettestraat(H) 3237712 MouscronGround area
291 m²
Building footprint
322 m²
Volume, LiDAR
4,649 m³
Parcel 54004K0010/00_000, Wallonia · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Epinettestraat(H) 323, 7712 Mouscron
since 20132.223.601.571
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54004K0010/00_000 | Wallonia | 291 m² | 1 · 322 m² | 18.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0033682127992